Archive for August 2014

Hire Me As Your Money Coach

In case you haven’t heard, registration is now open for the I Was Broke. Now I’m Not. Core Coaching Program (CCP) – my coaching program that includes 14 sessions taught over a year.

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Over the past 12 years, my finances have changed dramatically. From having an average bank balance of $4.13 at the end of every month to owning several businesses. From attempting to teach myself financial principles to teaching hundreds of thousands each year.

It is my passion to help people accomplish far more than they ever thought possible with their personal finances. While I travel all over the U.S. and Canada teaching people about money, I’ve never lost my core passion to help people one-on-one – coaching them through their money journey.

When you sign up for the CCP, you are hiring me to be one of your money coaches. (You do have a money coach, right?) I have personally written each experience, and I teach every one of them. When you have a financial question, there’s a good chance I will be personally responding to it.

The 14 Core Lessons of the Core Coaching Program include:

  1. The Path The I Was Broke. Now I’m Not. Financial Freedom Ladder
  2. Dreams How to accomplish far more than you ever thought possible
  3. Budgeting How to budget in a way that actually works
  4. Saving Money 3 things everyone must save for
  5. Debt How to attack your debt and achieve financial freedom
  6. Investing All the way from investing “basics” to “advanced” investing
  7. Insurance Protecting your financial progress
  8. Comprehensive Financial Plan The most in-depth financial planning lesson you’ve ever received
  9. Net Worth How to calculate, track, and increase your net worth
  10. Children & Money Parents love this practical teaching that helps them prepare their children to win money.
  11. Wills & Estate Planning No one likes to think about it, but the day is coming for all of us. This lesson will equip you to have a rock solid end-of-life plan.
  12. Oxen Study #1 – Identifying Oxen Based on Joe’s book, Oxen, this coaching session will transform the way you think about money and help you identify incredible financial opportunities that could be right in front of you!
  13. Oxen Study #2 – Birthing, Acquiring, and Leading Oxen This session will equip you to acquire “oxen” that will carry your financial burdens for you!
  14. Next Level Thinking In this incredible final coaching session, Joe will share how he was able to transform from “broke thinking” to “financially free living.”

 Upon successful completion of the program, you will even receive a graduation certificate!

If you are serious about taking your finances to another level and want to receive encouragement and accountability along the way, join the I Was Broke. Now I’m Not. Core Coaching Program.

NOTE: Only 150 spots were available for the CCP, and many of those have already been taken. Click HERE to learn more and to get started!

Monday Money Tip: Mutual Funds Explained

One of the most confusing aspects of money is investing. We routinely hear people discuss things like compound interest, mutual funds, stocks, bonds, ETFs, and real estate, but many end up more confused than ever! In today’s Monday Money Tip, I explain exactly how mutual funds work. This tip will allow you to have more financial confidence and encourage you to grow in your money journey.

Want to automatically receive a helpful and practical money tip every Monday? Register FREE at

Money Saving Idea: Have High Interest Debt? This Solution Can Fix It!

When I embarked upon my journey to eliminate my high interest debt, I was disappointed with my initial progress. When I sent a large payment to my debt, the balance owed did not seem to go down very much. I soon realized that the interest rates I was being charged were incredibly high.

For example, a $7,000 debt balance with a 19.99% interest rate generates an interest rate charge of around $116.61 per month. In other words, I would have to pay $116.61 every month just to keep the balance the same.

That’s when I discovered the power of using 0% Balance Transfer Credit Cards. I applied for one of these cards in under 5 minutes. My application was accepted and suddenly my interest rate was zero percent for a long time into the future! Even though I was charged a small transfer fee, this simple transaction positioned me to eliminate my debt very quickly because ALL of my payment was now being applied to reduce my debt balance!

In the previous example, nearly $2,000 in interest would be paid if only the minimum payments were paid over the next 18 months. This can be avoided by using a 0% Balance Transfer Credit Card!

I encourage you to use a 0% offer you’ve received in the mail, or here’s one I’ve found that is 0% for 18 months on Balance Transfers:
Discover it® – 18 Month Balance Transfer


College Students and Money: A Special LIVE On-Line Event THURSDAY August 14, 2014 at 8PM ET

I’m FIRED UP to be teaching a LIVE On-Line Event titled “College Students & Money” on Thursday evening at 8:00 PM Eastern Time. In this one hour on-line event, I will be speaking to college students and their parents about the financial challenges facing college students today. Even more, very practical tips and tools will be shared that can help your college student thrive financially – both during and after college. If you have a college student (or soon will have one), you won’t want to miss this event.

EVENT TITLE: College Students & Money

  • DATE Thursday, August 14th 8:00 PM Eastern Time (7:00 PM Central; 6:00 PM Mountain; 5:00 PM Pacific)
  • COST No cost
  • LENGTH 60 Minutes (40 minutes speaking – 20 minutes Q&A)
  • REGISTER Click HERE [insert link to register] or copy & paste this link in your favorite browser: